如何计算Student Loan
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A student loan calculator estimates monthly payments, total repayment, and total interest under different repayment plans for UK (Plan 1, 2, 4, Postgraduate) or US (Standard, IBR, PAYE) student loans.
公式
Monthly payment = P × r(1+r)ⁿ/[(1+r)ⁿ−1] where r = annual rate/12, n = months
- P
- Principal loan amount ($)
- r
- Monthly interest rate (annual%/12)
- n
- Number of payments (months)
- M
- Monthly payment ($)
分步指南
- 1UK Plan 2: repay 9% of income above £27,295/year; written off after 30 years
- 2UK interest: RPI + 0–3% depending on income
- 3US Standard: fixed monthly payment over 10 years
- 4US IBR: 10% of discretionary income; forgiven after 20–25 years
例题解析
输入
UK Plan 2: £50k debt, £35k salary
结果
Annual repayment = 9% × (£35k−£27,295) = £693/yr = £57.75/month
常见问题
What's the difference between federal and private student loans?
Federal: fixed rates, income-based repayment, forgiveness programs. Private: variable rates, credit-based, more expensive.
What's income-driven repayment?
Payment capped at discretionary income %. Plans: PAYE (10% income), IBR (10-15%), SAVE (5-10% discretionary).
Can student loan interest be deducted?
Yes, up to $2,500/year federal deduction. PSLF: 10 years forgiveness for public service jobs (federal only).
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